Mandiri Group Financial Data Integration Reporting Automation and Eiciency Improvement of business and internal policy processes

Annual Report 2013 PT Bank Mandiri Persero Tbk.

1. Mandiri Group Financial Data Integration

· Encouraging the application of the performance management system in subsidiaries · Developing an updated approach in performance management system methodology through the use of the Oracle platform · consolidating the performance management system and risk management reporting system · Developing the management information systemdata architecture of Bank Mandiri Group in collaboration with the Change Management Oice, Risk Management and IT.

2. Reporting Automation and Eiciency

· Issuing consolidated inancial statements on the 10th day of every month previously the 15th so that management can make more expeditious decisions related to Mandiri Group including subsidiaries · Implementing LSMKXBRL so that Bank Mandiri can issue Monetary and Financial Stability Reports LSMK in XBRL format in 2014 in accordance with Bank Indonesia regulations · Implementing FATC in order to comply with FATCA regulations, avoid FATCA withholding tax exposure of 30 in the United States, and manage reputational risk.

3. Improvement of business and internal policy processes

· To make improvements on the committee and processes side by streamlining the credit committee structure and making improvements to wholesale credit processes by enhancing products, systems, data, documents and policies. · Improving the quality of systems and tools by implementing IPS version 4.0, which ofers various advantages such as easier application in preparing credit analysis notes and lower bandwidth requirements. In addition, we will implement proper business process management and correct yardsticks for assessing the efectiveness of credit processes in the wholesale segment. · Improving the wholesale inancing policy with focus on anchor clients, transactional approach, cash low based lending, risk based pricing RORWARAROC, intensive monitoring, and standardization of credit analysis notes by industry category.

4. Target to be Top of Mind in A and B Customer Segments mass aluent